Best Auto Loans in Kentucky

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In Kentucky, personal loans are capped at 36% APR for licensed consumer lenders, overseen by the Kentucky Department of Financial Institutions.

Kentucky Lending Overview

Personal Loan APR cap

36%

Median Home Price

$228,000

Median Household Income

$60,000

Avg Student Debt

$33,691

State Regulator

Kentucky Department of Financial Institutions

Notable law: Kentucky's Small Loan Act caps consumer installment loans at 36% APR, but a separate payday lending statute permits two-week loans at fees that result in triple-digit annualized rates.

8 Auto Loans Lenders serving Kentucky

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Kentucky

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Kentucky

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Kentucky

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Kentucky

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Kentucky

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Kentucky

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Kentucky

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Kentucky

Apply at OnDeck

Kentucky Lending Laws

Kentucky's Small Loan Act caps consumer installment loans at 36% APR, but a separate payday lending statute permits two-week loans at fees that result in triple-digit annualized rates.

The primary regulator for consumer lending in Kentucky is the Kentucky Department of Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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